Based on my more than 20 years’ experience in the financial services industry, including 13 years of working closely with Pat, I can think of no one with a better understanding of both the technical and business aspects of credit scoring.

Peter L. McCorkell,
Former General Counsel, Fair Isaac Corporation

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Mr. Culhane is a superlative and articulate expert in the field of credit reporting. His analysis and testimony helped my client (a bank) secure a victory in a $10 million plus lawsuit. He is literally the creator of the FICO score and his resulting expertise was convincing to the jury and judge.

Ekwan Rhow
Partner at Bird Marella

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Pat knows more about credit data and credit scoring than anyone alive. He is a federally certified expert witness in these same subject areas. Most importantly he is a great human being – and an absolute pleasure to work with.

Warren Wilcox
Exec in Residence, Payoff Inc.

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For over 15 years, I have worked with Pat Culhane as he has demonstrated his deep expertise as a leader in the credit industry. As the “father of the FICO score”, his advice on a myriad of matters related to credit risk is greatly sought-after by credit industry leaders of financial services institutions and the many technology groups that serve them. In the many advisory and strategy groups I’ve led, his contributions are unequalled and have rung with credibility, clarity and integrity. He is a true luminary in this field.

Marilyn S. Arnett
Business & Organization Consultant, Facilitator and Coach

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